SPIA Products

State - AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. F&G Life (Legacy) Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. Guaranty Income Life ING Annuity and Asset Sales Lincoln Benefit Life Lincoln Financial Group National Western Life North American Company Phoenix Life Insurance Co. Presidential Life Reliance Standard Life ReliaStar Life Ins. Co. Sagicor Life Insurance Co. SBLI -Savings Bank Life Ins. of MA Symetra Life Insurance Co. The Standard Age Comm %

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Company / Product Name	AM Best	Impaired Risk	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Allianz Life Insurance Company of North America Single Premium Immediate Elite Annuity	A		99	99	25,000	25,000	0-99: 3.00 see notes
American Equity Investment Life Insurance Company SPIA-1	A-		90	90	10,000	10,000	0-90: 4.00
American General Life Insurance Company AG Platinum Income	A		0	0	10,000	10,000	0-90: 3.00
American National Insurance Company Palladium (SPIA)	A		90	90	15,000	3,500	see notes
EquiTrust Life Insurance Company Confidence Income	B+		90	90	30,000	30,000	0-90: 3.00 see notes
Fidelity & Guaranty Life FG Immediate-Income	B++		100	100	10,000	10,000	0-90: 2.00 see notes
Fidelity & Guaranty Life FG Immediate-Safeguard	B++		100	100	5,000	5,000	see notes
First Symetra Nat’l Life Ins Co of NY First Symetra Advantage Income	A		95	95	10,000	10,000	0-95: 3.00
First Symetra Nat’l Life Ins Co of NY Freedom Income	A		95	95	10,000	10,000	0-95: 4.00
Genworth Life Insurance Company SecureLiving® Income Provider	A		95	95	5,000	5,000	0-95: 3.00
Genworth Life of New York SecureLivingSM Income Provider NY	A		95	95	5,000	5,000	0-95: 2.00
ING Annuity and Asset Sales ING SPIA	A		80	80	15,000	15,000	0-95: 3.00
Lincoln Benefit Life IncomeReadySMSPIA	A+		90	90	5,000	5,000	see notes
Lincoln Financial Group Lincoln SmartIncome Inflation Annuity	A+		85	85	50,000	50,000	0-75: 3.00 76-80: 2.00 81-85: 1.00 see notes
National Western Life SPIA	A		0	0	5,000	5,000	Call
North American Company NA Income	A+		85	85	10,000	2,000	0-85: 2.00 see notes
Presidential Life Single Premium Immediate Annuity	B++		0	0	2,000	2,000	0-99: 2.50 see notes
Presidential Life Single Premium Immediate Income	B++		0	0	2,000	2,000	Call
Sagicor Life Insurance Company Gold Series SPIA	A-		85		5,000	5,000	Call
SBLI -Savings Bank Life Insurance of MA Single Premium Immediate Annuity	A+		90	90	10,000	10,000	Call

Company / Product Name	AM Best	Impaired Risk	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Symetra Life Insurance Company Advantage Income	A		95	95	10,000	10,000	0-95: 3.00
Symetra Life Insurance Company Freedom Income Annuity	A		95 (Q: 70)	95 (Q: 70)	10,000	10,000	0-95: 5.00
The Standard Tailored Income Annuity	A		90	90	15,000	15,000	0-UP: 3.00

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